Fast Repair Service In an accident claim (Own Damage), if the estimated repair cost is less than RM5,000/= and with complete documents, ACPG panel of insurers will proceed with repairs within 24 working hours.

No Loading

Under normal circumstances, Insurance Companies would charge a loading fee on top of the normal premium for vehicles which are 10 years old and above.

However, ACPG panel of insurers has agreed to waive loading (no additional premium) up to 15 years.

No Excess

ACPG panel of insurers has agreed to waive excess for vehicles insured through us, subject to Terms & Conditions.

You can enjoy the convenience of cashless purchases and earn credit card points.

Furthermore, you can also request for credit card authorization form to be faxed over to you for your endorsement and return fax to our branches or showrooms for them to act immediately.

You do not have to be physically at our office to make your payment.

One Stop Centre for Claims

ACPG panel of insurers have one stop centre for claims processing and general assistance, which include handling accident reports, liaising with the loss adjuster, submitting documents to insurers plus general advice related to accident claims procedures.

Road Tax Renewal Assistance

ACPG render Road Tax renewal service to our esteemed customers.

For a nominal fee, you will enjoy a hassle free renewal of road tax without having to queue up for it.

Corporate Agent

ACPG as a corporate agent, we act as an effective mediator for your claims.

ACPG panel of insurers Motor Comprehensive insurance covers your car against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, accidental or fire damages to your car and theft of your car. Coverage: Losses or damages to your car due to accident, fire and theft Third Party death and bodily injuries Third Party property losses or damages Extended benefits

ACPG panel of insurers Motor Third Party insurance covers your car against third party liabilities such as death, bodily injuries to third party and losses or damages of third party property caused by accidents.

Coverage: Third Party death and bodily injuries Covers Third Party property losses or damages ACPG panel of insurers Motor Third Party Fire and Theft insurance covers your car against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, fire damages to car and theft of your car.

Coverage: Losses or damages to your car due to fire or theft Third Party death and bodily injuries Third Party property losses or damages ACPG also offers extension of additional coverage aside from the usual comprehensive motor insurance to customers.

The coverage includes Windscreen extension, Special Perils, Legal Liability to Passengers (LLP), Legal Liability of Passengers to Third Party (LLOP) and Strike, Riot & Civil Commotion (SRCC).

Windscreen extension This extension of insurance covers accidental breakage of windscreen/window glasses and will not affect vehicle NCD in the event of a replacement claim.

Special Perils Damage to vehicle due to flood, windstorm, typhoon, volcanic eruption, earthquake, landslide or subsidence (Classified as Acts of God) will be covered as per sum insured stated in the comprehensive motor insurance policy.

iii. Legal Liability to Passengers (LLP) It provides full coverage for the Insured/named driver in the event of a legal action taken against him/her by the passenger(s) due to any bodily injury that occurred as a result of the driver negligence.

Vehicles that are to be driven into Singapore would be required to have this coverage.

Legal Liability Of Passengers to Third Party (LLOP) Coverage extended to legal liability of passenger(s) in the event of passenger(s) of the insured vehicle caused injury/damage to property of 3rd party.

This extension provides full coverage for bodily injury claims and a limitation of up to RM 3million for property damage claims (subject to individual policy term and condition signed at the point of insurance purchased).

This extension is NOT applicable for commercial vehicle.

Strike, Riot & Civil Commotion (SRCC) Damage to your vehicle due to Strike, Riot and Civil Commotion will be covered with this extension as the basic comprehensive motor insurance will not cover such damages to vehicle due to these event(s)?occurrence(s).

Named Drivers It is advisable for Insured to add in either Additional Named Drivers (Private Use) or All Drivers (Company Registration) extension if the insured vehicle would be used by authorized individual(s) other than the Insured.

This extension is NOT applicable for commercial vehicle.

* Extension(s) is/are not included in the basic insurance policy. Kindly contact our cutomer service +603-92863323 for more info on the premium payable.

This policy will compensate for liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. Have financial protection for when you or other motorists are reckless on the road!

What are the optional benefits offered?

Some of the optional benefits offered are as follows:

Breakage of glass in windscreen, window or sunroof

Legal Liability to Passengers

Strike, riot and civil commotion

Current year NCD relief

Vehicle accessories

How much premium do I have to pay?

The premium you have to pay may vary depending on the sum insured and cubic capacity of your vehicle, no-claim discount ( NCD) entitlement, optional benefits added, and ACPG Insurer’s underwriting requirements.

What are the major exclusions under this policy?

This policy does not cover certain losses such as,:

Your own death or bodily injury due to a motor accident

Your liability against claims from passengers in your vehicle

Loss, damage or liability arising from an act of nature i.e. flood, storm, or landslide and others.

Protect against loss or damage to your own vehicle as well as third party’s bodily injury or property damage.

Introduction

Motor Insurance is a contract purchased by the owner of a vehicle from an authorised insurer to protect the policyholder (owner of the vehicle) against loss or damage to his vehicle and or against loss or damage which the policyholder might cause to another person’s vehicle or property and or death or bodily injury to a third party.

Commercial Vehicle – Goods Carrying Vehicle

(A Permit and C Permit)

Use in connection with the Policyholder’s business.

Use for the carriage of passengers (other than for hire or reward) in connection with the Policyholder’s business.

Use for social domestic and pleasure purposes.

Does not cover:

Use for hire or reward.

Use for racing pace-making reliability trial or speed testing.

Use whilst drawing a trailer except the towing of any one disabled mechanically propelled vehicle.

Comprehensive

The cover offers protection against financial loss because it covers fire, theft and accidental damage to the Insured’s vehicle in addition to the protection against the legal liabilities to third party for death and bodily injury and damage to property that may arise through the negligence of the driver.

Third Party

The cover offers protection against financial loss as a result of damage the driver of the vehicle may cause to the property of a third party. It also provides protection against any claims that may arise because of the death of or injury to another person through the negligence of the driver.

This policy will compensate for liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. Have financial protection for when you or other motorists are reckless on the road!

What are the optional benefits offered?

Some of the optional benefits offered are as follows:

Breakage of glass in windscreen, window or sunroof

Legal Liability to Passengers

Strike, riot and civil commotion

Current year NCD relief

Vehicle accessories

How much premium do I have to pay?

The premium you have to pay may vary depending on the sum insured and cubic capacity of your vehicle, no-claim discount ( NCD) entitlement, optional benefits added, and ACPG Insurer’s underwriting requirements.

What are the major exclusions under this policy?

This policy does not cover certain losses such as,:

Your own death or bodily injury due to a motor accident

Your liability against claims from passengers in your vehicle

Loss, damage or liability arising from an act of nature i.e. flood, storm, or landslide and others.

Duly completed KFK declaration letter that you are making a Knock-For-Knock Claim for damage to your vehicle on your policy.

B. Windscreen Claim

For windscreen claims, please provide the following:

Duly completed claim form;

Copy of police report (certified true copy);

Original copy of photographs of damaged windscreen before repair (insured vehicle’s registration number must be visible). You need not provide any photos if your damaged windscreen is repaired at our approved panel workshop;

Photographs of the replaced windscreen;

Updated copy of insured vehicle’s registration card; and

Original repair receipt.

C. Theft Of Vehicle

Theft claim is normally settled within three months from the date of notification and upon completion of investigations.

The following documents are required to process theft claim:

Duly completed claim form;

Clear copy of your identity card;

Original release letter or latest outstanding loan statement from the financial institution financing the purchase of your insured vehicle;

Memorandum & Article of Association, Form 9, Form 24, Form 44 and Form 49 duly certified true copy by your company secretary (for company vehicle only);

All your insured vehicle’s keys;

Original vehicle registration card duly signed by owner

Report of police investigation.

Accident Guard

This is an additional optional coverage on top of your standard motor vehicle insurance.

If you have purchased an additional optional coverage, we only need to know the check-in and check-out dates for repair works carried out at our panel workshop to process your claim for the following benefits arising out of an own damage claim:

Daily cash allowance;

Waiver of betterment cost;

Option of spray painting of whole car

Please note that Daily Cash Allowance is paid to you whilst Waiver of Betterment Cost and Spray Painting of Whole Car are stated in our offer letter for the own damage claim.

2. Third Party Property Damage Claim

If you intend to make a third party claim:

Notify the other driver and/or owner who was involved in the road accident with your insured vehicle in writing about your intention to make insurance claim against him. In addition, state that you hold him responsible, and ask him to notify his insurer;

Appoint a licensed adjuster to inspect your insured vehicle and thereafter provide you with their loss assessment/report; and

If you do not have the other driver’s contact information, you may conduct a search at Jabatan Pengangkutan Jalan (JPJ) – Road Transport Department) to find out who is the other driver’s insurer based on the vehicle registration number. Submit to us the following documents:

Submit the following to ACPG or Insurer :

Police report;

Police sketch plan and key;

Police investigation report;

Adjuster’s report together with photographs of damaged insured vehicle;

In the event you are involved in a road accident causing personal injury or death to any individuals including passengers in your insured vehicle at the time of accident, and if you have purchased for such cover, please ensure you follow the following guidelines:

Accident must be reported to the police within 24 hours after the road accident;

Notify us of the accident immediately;

Do not admit liability to anyone;

Do not enter into any negotiations without our prior consent;

Should you receive any letter and /or summons from the third party’s solicitors, please inform us immediately;

You may speak to your insurance broker or our authorized agent to seek clarification